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征信立法:信用权的保护与征信权的规范 被引量:3
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作者 卢克贞 《武汉金融》 北大核心 2007年第4期44-45,共2页
本文认为我国目前信用缺失严重的一个重要原因是我国的征信法律制度建设滞后。征信法律制度建设必须面对的问题是征信机构征信权和被征信人信用权之间的博弈,而这场博弈的均衡点在于对征信权的规范。
关键词 征信权
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美国消费者征信权益保护的实践与启示 被引量:1
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作者 曹亚廷 《上海金融》 CSSCI 北大核心 2014年第10期91-93,共3页
本文尝试建立消费者(个人)征信权益保护的"IACO"分析框架,并在此框架下系统研究近年来美国在消费者征信权益保护的立法成果,特别是消费者征信知情权、利用权、异议权和事前授权保护的实践进展,并对我国消费者征信权益保护工... 本文尝试建立消费者(个人)征信权益保护的"IACO"分析框架,并在此框架下系统研究近年来美国在消费者征信权益保护的立法成果,特别是消费者征信知情权、利用权、异议权和事前授权保护的实践进展,并对我国消费者征信权益保护工作提出政策建议。 展开更多
关键词 消费者征信权 IACO框架 知情 利用 异议 事前授保护
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大数据征信背景下我国征信异议权研究
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作者 贺小琳 《华北金融》 2023年第9期74-83,93,共11页
信息异议权是个人信息救济权益的一部分,异议处理可以快速解决争议信息,是维护信息主体救济权最经济有效的手段。我国征信异议权存在以下不足:法律层面,支撑信息主体权益保护的法律制度存在权责不清、操作性差等问题;实际操作层面,存在... 信息异议权是个人信息救济权益的一部分,异议处理可以快速解决争议信息,是维护信息主体救济权最经济有效的手段。我国征信异议权存在以下不足:法律层面,支撑信息主体权益保护的法律制度存在权责不清、操作性差等问题;实际操作层面,存在数据提供机构义务不明确、未明确争议问题解决时限、异议受理渠道不统一、异议投诉和诉讼关系不明确等问题。随着个人征信牌照的发放,亟需对现行征信异议处理制度进行改进和完善。本文对征信异议相关的法律法规进行综述,对大数据征信异议处理相关问题进行探析,提出大数据征信背景下的异议信息分类模式,针对我国现行征信异议处理制度存在的问题,借鉴美国征信异议处理机制,提出相关政策建议,以适应我国一体两翼,“政府+市场”双轮驱动发展模式的征信体系。 展开更多
关键词 大数据 救济 异议 个人息保护
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个人征信查询现状及对策建议——基于个人征信知情权保护的角度 被引量:2
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作者 肖鑫 《金融经济》 2019年第22期52-53,共2页
保护个人征信知情权是维护个人征信权利的基础。从当前实际看,存在个人征信信息查询不够便利、个人信用报告难以获得专业解释、信息主体难以及时获得不良信息记录通知和非法查询提示等问题。从保护个人征信知情权的角度,可以通过完善互... 保护个人征信知情权是维护个人征信权利的基础。从当前实际看,存在个人征信信息查询不够便利、个人信用报告难以获得专业解释、信息主体难以及时获得不良信息记录通知和非法查询提示等问题。从保护个人征信知情权的角度,可以通过完善互联网征信查询、开发征信中心个人信用查询APP、加强个人信用报告自助查询机布放、普及个人信用报告网银查询等途径,便利个人获取征信信息,有效维护个人征信权利。 展开更多
关键词 个人 查询 知情
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论个人信用信息公开与征信市场发展 被引量:5
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作者 陆建猷 朱平 王莉君 《首都师范大学学报(社会科学版)》 CSSCI 北大核心 2013年第5期70-75,共6页
个人信用信息公开对于提高征信市场效率、扩大消费市场和推动经济发展具有重要价值。个人信用信息公开有其内在制约,必须把握好保持信息完整性与维护伦理观念、保卫社会安全和个人自由等价值观念的平衡。征信机构的信用信息征集与被征... 个人信用信息公开对于提高征信市场效率、扩大消费市场和推动经济发展具有重要价值。个人信用信息公开有其内在制约,必须把握好保持信息完整性与维护伦理观念、保卫社会安全和个人自由等价值观念的平衡。征信机构的信用信息征集与被征信人个人隐私权的冲突不可避免,制度设计中必须处理好二者的协调和整合。个人信用信息公开当前已成为制约个人征信行业发展的主要瓶颈,国家应通过立法、健全工作机制、完善技术标准等多种方式促进个人信息的开放利用,实现信用信息的共享。 展开更多
关键词 个人息公开 市场效率 征信权 隐私 息共享
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征信监督管理的国际比较与借鉴 被引量:3
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作者 邱峰艳 《征信》 北大核心 2010年第5期63-66,共4页
加强征信活动的监督管理对于促进我国征信业的规范健康发展具有十分重要的意义。目前,我国征信业监管尚不完善。借鉴国外征信监管经验,结合我国基层人民银行实施征信监管的现状,提出进一步改善我国征信业监督管理的政策建议。
关键词 监管体系 监管 国际比较
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论征信监管权 被引量:2
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作者 吕群蓉 《政法学刊》 2007年第5期72-78,共7页
征信监管是建立和完善征信制度,维护征信市场秩序,防范征信市场风险,促进征信市场健康发展的客观要求。文章从比较征信监管模式入手,分析我国目前征信监管模式的选择,阐明征信监管权的行使主体、性质和征信监管权的内容以及征信监管权... 征信监管是建立和完善征信制度,维护征信市场秩序,防范征信市场风险,促进征信市场健康发展的客观要求。文章从比较征信监管模式入手,分析我国目前征信监管模式的选择,阐明征信监管权的行使主体、性质和征信监管权的内容以及征信监管权在征信制度中的意义。 展开更多
关键词 市场 监管 监管制度
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Radar emitter signal recognition based on multi-scale wavelet entropy and feature weighting 被引量:16
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作者 李一兵 葛娟 +1 位作者 林云 叶方 《Journal of Central South University》 SCIE EI CAS 2014年第11期4254-4260,共7页
In modern electromagnetic environment, radar emitter signal recognition is an important research topic. On the basis of multi-resolution wavelet analysis, an adaptive radar emitter signal recognition method based on m... In modern electromagnetic environment, radar emitter signal recognition is an important research topic. On the basis of multi-resolution wavelet analysis, an adaptive radar emitter signal recognition method based on multi-scale wavelet entropy feature extraction and feature weighting was proposed. With the only priori knowledge of signal to noise ratio(SNR), the method of extracting multi-scale wavelet entropy features of wavelet coefficients from different received signals were combined with calculating uneven weight factor and stability weight factor of the extracted multi-dimensional characteristics. Radar emitter signals of different modulation types and different parameters modulated were recognized through feature weighting and feature fusion. Theoretical analysis and simulation results show that the presented algorithm has a high recognition rate. Additionally, when the SNR is greater than-4 d B, the correct recognition rate is higher than 93%. Hence, the proposed algorithm has great application value. 展开更多
关键词 emitter recognition multi-scale wavelet entropy feature weighting uneven weight factor stability weight factor
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APPLICATION OF FUZZY LOGIC IN WEIGHTED INFORMATION FUSION OF HAND GEOMETRY AND PALM PRINTS 被引量:1
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作者 YangFan PuZhaobang ZhaoYugang 《Journal of Electronics(China)》 2004年第6期511-514,共4页
Based on the theory of fuzzy logic, the method of obfuscating coefficient and reliability to fuse the information of hand geometry and palm prints for identity discrimination is proposed. The experiment proves that th... Based on the theory of fuzzy logic, the method of obfuscating coefficient and reliability to fuse the information of hand geometry and palm prints for identity discrimination is proposed. The experiment proves that the method is useful and effective. Its identification rate is up to 90%, which is 20%-30% higher than that of using hand geometry or palm prints singly,thus it can be widely used in highly demanded security field, such as finance, entrance guard, etc. 展开更多
关键词 Fuzzy logic Weighted information fusion Identity discrimination
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Quantitative Characteristics of Patentable Applications in Japan: An Analysis Using Bibliographic Information of Application Documents 被引量:1
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作者 Fuyuki Yoshikane Chizuko Takei +2 位作者 Keita Tsuji Atsushi Ikeuchi Takafumi Suzuki 《Sociology Study》 2013年第9期639-650,共12页
This study examined Japanese patents in terms of the quantitative characteristics of application documents that resulted in the acquisition of rights in order to clarify the relationship between the features and paten... This study examined Japanese patents in terms of the quantitative characteristics of application documents that resulted in the acquisition of rights in order to clarify the relationship between the features and patentability of applications. The groups of approved applications and those that had not been approved were compared for 12 variables: publication time lag; numbers of inventors, classifications, pages, figures, tables, claims, priority claims, countries for priority claims, cited patents, and cited non-patent documents; and median of citation age. Furthermore, the authors carried out the experiments in which patent applications were automatically classified into two groups by the machine learning method, random forests. As a result, statistically significant differences between the two groups were observed for the following variables (p 〈 .001): the numbers of inventors, pages, figures, claims, priority claims, and countries for priority claims were significantly larger in the group of approved applications, while the time lag until publication was smaller. In particular, the publication time lag and the numbers of inventors, pages, and figures were variables representing the features that largely contribute to discriminating approved applications in the classification using random forests, which implies that these have relatively strong relationships with patentability. 展开更多
关键词 Technology management intellectual property rights patent analysis sociology of science JAPAN
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Worldwide or Territorial Approach for Individual Income Tax, Which is More Prevalent? 被引量:1
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作者 Connie Shum Jack Fay Gladie Lui 《Journal of Modern Accounting and Auditing》 2017年第4期137-151,共15页
For individuals who are contemplating relocating, how their income will be taxed might be an important factor when deciding whether or not to take up residence in another country. Two income approaches are commonly us... For individuals who are contemplating relocating, how their income will be taxed might be an important factor when deciding whether or not to take up residence in another country. Two income approaches are commonly used around the globe. Worldwide income approach (also known as a global tax system) taxes income from whatever source derived. Territorial income approach taxes only income earned within the country's borders. Using information collected from PricewaterhouseCoopers' website1 that provides information on tax systems used in countries around the world, this paper examines which countries apply worldwide or global income approach and which employ territorial approach to determine the legitimate source of taxable income. The research focuses on countries within: (1) Americas; (2) Asia/Pacific Basin; (3) Europe; and (4) Africa/Middle and Near East. Based on the information collected and presented in this paper, the worldwide approach is much more prevalent (104 countries) than the territorial approach (30 countries). This paper also investigates any specific rules that a particular country has in relation to income to be taxed and residency versus non-residency status of the taxpayers. There appears to be an abundant spectrum of rules relating to residency and domicile for tax purposes among the countries. 展开更多
关键词 individual income tax global individual income tax worldwide/territorial income approach
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以人为本视域下大学生诚信档案建设的制度化研究 被引量:3
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作者 周伟 《教育探索》 2019年第6期83-86,共4页
建立诚信档案制度是推动社会主义核心价值观融入制度建设的有效举措,是高校落实立德树人根本任务的机制保障,是社会信用体系建设的重要环节。在诚信档案建设过程中,高校的征信权与大学生的隐私权必然会引起一定的冲突,具体体现为信息采... 建立诚信档案制度是推动社会主义核心价值观融入制度建设的有效举措,是高校落实立德树人根本任务的机制保障,是社会信用体系建设的重要环节。在诚信档案建设过程中,高校的征信权与大学生的隐私权必然会引起一定的冲突,具体体现为信息采集扩大化,征信毫无边界;信息采集手段非法化;诚信档案公开化等。以人为本的大学生诚信档案制度化建设应遵循制度建构法治化、信息管理人本化、采集内容清单化、档案使用正当化的思路。 展开更多
关键词 档案 征信权 知情 隐私 救济
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